Take Command of Your Financial Future
You spent a career following clear plans, managing risk, and leading through uncertainty. Retirement shouldn’t feel more chaotic than deployment. Between pensions, TSP, IRAs, and other financial decisions, and second‑career income, it’s easy for everything to live in different places with no single point of command.
Horizon Wealth Strategies helps retired officers and military families turn scattered accounts and benefits into one coordinated plan, so you know what you can spend, how long it can last, and how to support the people who rely on you.
What Retirement Planning Looks Like Here
Retirement and Income
Planning
A clear structure for spending, withdrawals, and long-term durability
Tax Planning and
Timing
Decisions planned ahead, not rushed late. Less uncertainty around taxes over time.
Investment Planning for Volatility
Portfolio structure aligned to your plan, not headlines or guesswork.
Healthcare and Long-Term Care Planning
Planning for future costs so healthcare does not become the wild card.
Cost of Living and Unplanned Expenses Planning
A plan built around rising costs and the expenses that show up without warning.
Legacy and Estate
Coordination
Beneficiaries and legacy priorities aligned so outcomes match what matters.
Is This You?
Most of your wealth is tied up in your pension, TSP, and a few key accounts.You’ve done the right things for years, but you’re not sure what “enough” actually looks like.
You’re confident making decisions in uniform, but when it comes to retirement income, taxes, and healthcare, the pieces feel scattered.
If this sounds familiar, you’re not alone. Many retired officers reach this stage with strong benefits and savings, but without a clear plan that shows how it all supports the next 20–30 years of life.
Why Us
Why Retired Officers Choose Michael Ferrara
Michael Ferrara
You don’t need an advisor who has to look up what a “Survivor Benefit Plan” is or how your Thrift Savings Plan compares to other investments.
Michael understands your world because he lived it, serving as a Naval Officer for over 12 years and as a Desert Storm Veteran. He speaks the language of your benefits and understands the unique pressures of transitioning from a command-focused career to a second-act civilian life.
How It Works
Before anything is implemented, we design the blueprint that guides every decision. Once the structure exists, decisions feel calmer and more deliberate.
We Meet
We begin with a thought provoking conversation to understand your goals, priorities, and full financial picture. We then gather the facts to incorporate any financial decisions you are facing now or will face in the near future.
1
Create the Plan
We create a comprehensive financial strategy in your financial plan that brings clarity to the lifestyle you want in retirement and incorporates tax efficiency, investment allocation, risk avoidance, and the legacy you want for you and your family.
2
Put the Plan to Work
We will guide you step by step during the implementation of your financial plan with intention, so decisive action is taken to execute your strategy.
3
Gain Financial Clarity
You move forward with confidence, knowing your decisions are intentional, based on a disciplined process from a trusted resource to turn to whenever a new decision needs to be made.
4
After the Uniform: What Does This Really Mean for Our Life?
By the time Jeff hung up his uniform, he had done everything “right” on paper. Pension in place, TSP maximized every year, some savings on the side, a second‑career opportunity already lined up. What he didn’t have was a clear answer to the question his wife kept asking: “So what does this actually mean for how we live?” What happens to us if the unplanned occurs?
He had plenty of information but no plan. One advisor wanted to talk products, another focused only on investments, and no one seemed willing to own the whole picture—pension, taxes, long-term care costs, survivor benefits, and what would happen if work stopped sooner than expected. So Jeff did what many retired officers do: he waited and hoped nothing important slipped through the cracks.
Sitting down with Horizon Wealth Strategies changed the conversation. Instead of random opinions, Jeff got a single, mission‑aligned plan that coordinated income, tax strategy, investments, and healthcare.
He could see, in writing, how to protect their lifestyle, how to prepare for rising costs, what would happen under different “what if” scenarios and how he should adjust his strategy if things didn’t go as planned.
The difference between the two paths was clear: drift forward carrying uncertainty alone, or move ahead with a disciplined framework that lets him lead this next chapter with the same confidence he had in uniform.
Testimonials
5 Things to Consider for Retirement Planning as a Retired Military Officer
If you’re not ready to talk yet, start here.
This short guide helps you think through pension, TSP, taxes, and the difference between healthcare and long-term care in one simple framework, so your benefits and savings work together for the life you want after the service.
